Who we fund
Business loans by industry
Every industry has its own rhythm of cash in and cash out. These pages show how lenders read the numbers in your trade and which loan structures tend to fit.
Every explainer in this section
23 plain-English explainers written from the lender's side of the desk. Start with the one closest to your situation.
Trades and construction
Business funding for builders, trades and construction companies: progress-claim gaps, retentions, materials, equipment and when property security makes sense.
Read the explainer →Hospitality
Business funding for cafés, restaurants, bars and accommodation: fit-outs, equipment, seasonal gaps and how lenders read hospitality bank statements.
Read the explainer →Professional services
Business funding for professional services firms: work-in-progress gaps, debtor days, fit-outs, practice purchases, partner buyouts and fee income.
Read the explainer →Manufacturing and wholesale
Business funding for manufacturers and wholesalers: raw materials, large orders, machinery, long customer terms and how lenders assess stock-heavy businesses.
Read the explainer →Retail
Business funding for retail stores: seasonal stock, shop fit-outs, new locations, point-of-sale upgrades and how lenders assess a retailer's takings and lease.
Read the explainer →Transport and logistics
Business funding for transport, freight and logistics companies: fuel and wages, long customer terms, new trucks, repairs and how lenders assess fleets.
Read the explainer →Healthcare
Business funding for medical, dental, allied health and pharmacy businesses: equipment, fit-outs, practice purchases, new sites and how lenders assess them.
Read the explainer →Online stores
Business funding for online stores and ecommerce brands: inventory, imports, marketing spend, platform payouts and how lenders assess sales data.
Read the explainer →Courier drivers
Fast loans of $20k to $50k for courier and delivery businesses, secured on property or a vehicle you own outright. No cash flow evidence needed.
Read the explainer →Bricklayers
Bricklayers and block layers can borrow $20k to $50k fast, secured on property. No bank statements or cash flow evidence. Funding in as little as 24 hours.
Read the explainer →Tilers
Tilers and tiling contractors can borrow $20k to $50k fast against property, with no cash flow evidence. Funding in as little as 24 hours once approved.
Read the explainer →Carpenters
Carpenters and joiners can borrow $20k to $50k fast, secured on property. No cash flow evidence, no valuation, funding in as little as 24 hours.
Read the explainer →Electricians
Electricians and electrical contractors can borrow $20k to $50k fast against property. No cash flow evidence. Funding in as little as 24 hours once approved.
Read the explainer →Plumbers
Plumbers and gasfitters can borrow $20k to $50k fast, secured on property. No cash flow evidence needed. Funded in as little as 24 hours once approved.
Read the explainer →Dance schools
Dance schools and studios can borrow $20k to $50k quickly against property, with no cash flow evidence. Funding in as little as 24 hours once approved.
Read the explainer →Painters
Painting and decorating businesses can borrow $20k to $50k fast against property. No cash flow evidence needed. Funding in as little as 24 hours once approved.
Read the explainer →Plasterers
Plastering contractors can borrow $20k to $50k fast against property. No cash flow evidence needed. Funding in as little as 24 hours once approved.
Read the explainer →Landscapers
Landscaping businesses can borrow $20k to $50k fast against property. No cash flow evidence needed. Funding in as little as 24 hours once approved.
Read the explainer →Mechanics and auto repair
Mechanics and auto repair workshops can borrow $20k to $50k fast against property. No cash flow evidence. Funding in as little as 24 hours once approved.
Read the explainer →Food trucks and mobile
Food trucks and mobile businesses can borrow $20k to $50k fast against property. No cash flow evidence needed. Funding in as little as 24 hours once approved.
Read the explainer →Hairdressers and barbers
Hair and beauty salons can borrow $20k to $50k fast against property. No cash flow evidence needed. Funding in as little as 24 hours once approved.
Read the explainer →Cleaning businesses
Cleaning businesses can borrow $20k to $50k fast against property. No cash flow evidence needed. Funding in as little as 24 hours once approved.
Read the explainer →Removalists
Removalists and moving companies can borrow $20k to $50k fast against property. No cash flow evidence. Funding in as little as 24 hours once approved.
Read the explainer →Run the numbers first
Free calculators that show your company's position before you talk to anyone. No sign-up, no rates, nothing stored.
Company borrowing power calculator
Estimate what your company could borrow on cash flow and on property, side by side.
Open the calculator →Business loan repayment planner
Turn a quoted total cost into daily, weekly or monthly repayments and test them against your cash flow.
Open the calculator →Property equity and LVR calculator
Work out usable equity and loan-to-value ratio for a first or second mortgage or caveat loan.
Open the calculator →Keep exploring
What Company Cash does
Secured loans
Secured business loans for Australian companies: property-backed loans of $20k to $50k, first and second mortgages, caveats and company vehicles, funded fast.
Open the hub →When cash flow lenders say no
Turned down?
Why cash flow lenders decline companies: patchy cash flow, too many loans, serviceability limits, bad credit. And the fast property-secured alternative.
Open the hub →Inside the assessment
How lenders decide
What business lenders actually check: bank statements, serviceability, LVR, exit strategy, ATO debt, credit files, guarantees and valuations, explained by a lender.
Open the hub →Own property? You may be closer to a yes than you think
One short enquiry, no credit check, no cash flow records, and a real person who tells you what your property could support.
No credit check to ask
Your file stays with us
Lender's-eye honesty